Search found 3718 matches

by rustymutt
Mon Oct 28, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Who does your tax returns?
Replies: 103
Views: 5182

Re: Who does your tax returns?

Mine are just slightly more difficult than I want to tackle, so TurboTax has been getting me there. I value the auto download forms and information from Vanguard. Like another poster said, "you learn much from doing it with software". Just remember, bad info in, means bad info out. And the IRS is wa...
by rustymutt
Mon Oct 28, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Furnace air filters
Replies: 37
Views: 2900

Re: Furnace air filters

I buy mine at Filters.com MERV 8
by rustymutt
Sat Oct 19, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Continuing Disability Review
Replies: 21
Views: 1261

Re: Continuing Disability Review

Well the part of keeping this line of question to yourself is BS. Evil loves it when people don't communicate. I'm glad your sharing this. I'd be mad as hell had I'd been told that someone is being questioned about me, but told not to tell me. Hmmm.
by rustymutt
Sat Oct 12, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: LG Refrigerator/Freezer lack of service saga
Replies: 39
Views: 2728

Re: LG Refrigerator/Freezer lack of service saga

One of the cheapest service preventers I know of as a technician is a plug in surge protect that works. These new applanices can't handle power spikes. I simple surge protector keeps your electronics safe during storms and industrial surges. I have one on all my major tools. A whole house surge tran...
by rustymutt
Sat Oct 12, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 57
Views: 9941

Re: Retirement - Living in Colorado

I have enjoyed reading these post, thanks to all. I'm retired, and had a degree in computer information systems from a Friends University, a non profit pravate school in Wichita, Ks. I think the most important thing for young people wanting careers in this field is to get in with a IT company and le...
by rustymutt
Sun Oct 06, 2019 8:24 am
Forum: Personal Finance (Not Investing)
Topic: More Nasty and Unexpected Changes With Part D Plans Next Year
Replies: 49
Views: 5894

Re: More Nasty and Unexpected Changes With Part D Plans Next Year

This is a mess every year with me missing coverage in the whole of January, becau'se the insurance agent had to call me and confirm my corverage never called. If I'd been sick that month, I could have lost alot. Confuse and dazzle, then market to them. All the time raising rates yearly. I'm thankful...
by rustymutt
Sun Sep 22, 2019 3:19 pm
Forum: Personal Investments
Topic: Investing half of net worth, is market too high?
Replies: 25
Views: 5205

Re: Investing half of net worth, is market too high?

Go ahead and jump in. It may go up for 10 more years. I don't know.
I felt no choice but to jump in June of 2009. I'd been side lines leading up to retirement. Turn out huge advantage for me. May give that money back some day, but it's mine now and it's working for me. :sharebeer
by rustymutt
Sun Sep 22, 2019 3:09 pm
Forum: Investing - Theory, News & General
Topic: What do you think about Dan Wiener
Replies: 82
Views: 5932

Re: What do you think about Dan Wiener

Dan Wiener is just a man trying to eck out a career. Oh he's quite a learner, and ever better marketing guy. He's been around for quite a while, and with the internet his name spreads as easy as fire in dry landscape. He's got knowlegde, but so do friends. He's meaningless for me. FTR, I'm right at ...
by rustymutt
Sat Sep 21, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 57
Views: 9941

Re: Retirement - Living in Colorado

Just entered retirement recently and have been reading about good cities to live in. Colorado Springs was one of the cities named and it looks like a nice place to live. Does anyone have first hand experience living in Colorado Springs or any other city in Colorado? Currently living in Minnesota an...
by rustymutt
Thu Sep 05, 2019 10:47 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 339
Views: 39180

Re: Small Cap Value heads Rejoice !!!

In 2020 (less than 4 months) we can start the roaring 20's all over. Party like it's 1920. What goes up, averages out over time, one way or the other. Good luck to all you who bank on SCV alone.
by rustymutt
Wed Sep 04, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: Seeking WiFi solution
Replies: 35
Views: 2720

Re: Seeking WiFi solution

You might consider investing in a seperate modem, that works with your provider, and buy a wi/fi router/switch with a tandom feature allowing other routers to communicate as if one. Some connect with cables, (my choice), others through wi/fi itself. Smart routers are wonderful for networking manager...
by rustymutt
Wed Aug 28, 2019 7:56 am
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 325
Views: 34588

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

Nate79 wrote:
Wed Aug 08, 2018 6:04 pm
So a 1.5x leveraged 60/40 balanced fund? Yeah, no thanks.


Don't you love the vocabulary of these marketing techniques? I was taught that if I don't understand the investment, stay the hell away from it.
You know, it works for me.
by rustymutt
Mon Aug 05, 2019 3:31 pm
Forum: Personal Investments
Topic: Buy During This Dip?
Replies: 99
Views: 13089

Re: Buy During This Dip?

But what if the dip continues for say, 2 years and ends up 50% down, before starting backup? This is why your portfolio should be ready for anything the market can throw at it. Well balanced with good credit quality and some tbills.
by rustymutt
Thu Aug 01, 2019 6:55 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 297968

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I don't partake, but have friends who have invested in these 2&3x leveraged funds. Yes, they've made money, but lost money also, and kept telling me that I was investing correcting, and my 10% annual 10 year return was boring, but working also, and they saw the results. To me it looks as if they wer...
by rustymutt
Wed Jun 26, 2019 1:49 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says to give up employer 401K match to pay down debt
Replies: 148
Views: 9197

Re: Dave Ramsey says to give up employer 401K match to pay down debt

The truth around this can vary from client to client and he shouldn't make blanket statements, trying for square peg in round hole. This is the whole issue I have with Mr Ramsey's approach to investments. We sure know where is stands on debt, and I don't disagree with him there. :oops:
by rustymutt
Wed Jun 26, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: Hiring landscapers that do a great job
Replies: 18
Views: 1495

Re: Hiring landscapers that do a great job

I still do it myself, cause know no else does as great of job as I do. Good businesses should, but God help us find them.
:?
by rustymutt
Tue Jun 11, 2019 8:59 pm
Forum: Personal Investments
Topic: Paul Merriman UBH vs Vanguard Mkt Cap model
Replies: 22
Views: 2173

Re: Paul Merriman UBH vs Vanguard Mkt Cap model

You might find this page from Marketwatch interesting. It's a comparison of recent returns from eight "lazy" portfolios, including Mr. Merriman's UBH (it's labelled as "Fundadvice" in the chart). I'll tell you what's lazy about that link.... they are comparing apples and oranges. The UBH on there i...
by rustymutt
Tue Jun 11, 2019 8:47 pm
Forum: Personal Investments
Topic: Jack Bogle: Vanguard Balanced Index is "Very Tax Efficient Fund"
Replies: 14
Views: 3638

Re: Jack Bogle: Vanguard Balanced Index is "Very Tax Efficient Fund"

I switched both my IRA, and regular taxed investment to VBIAX 3 years, and have been happy since. .07% er. :sharebeer
by rustymutt
Sat May 25, 2019 8:53 am
Forum: Investing - Theory, News & General
Topic: Switching from Vanguard to Schwab
Replies: 19
Views: 3040

Re: Switching from Vanguard to Schwab

I'm amazed at comments that mention how great their brokers are. They all just provide a service, and some seem better than others, but in the end it's not the broker that makes or breaks you, but bad deceptions that that people don't understand that bring em down. I'm with Vanguard, and happy with ...
by rustymutt
Sat May 25, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: What has changed in new home construction over the years?
Replies: 49
Views: 6410

Re: What has changed in new home construction over the years?

If I were to build a new home today, with the lifetime experiences I've had, I'd hire an architect who specializes in residential homes. They can make sure quality is being processed at the each stage of the project. Might even hire a builder that the architect has done business with in past, and re...
by rustymutt
Wed May 22, 2019 7:28 pm
Forum: Personal Investments
Topic: An Advisor Refusing To Sell Investments
Replies: 65
Views: 8307

Re: An Advisor Refusing To Sell Investments

File an complaint with the federal trade commission. FTC
by rustymutt
Mon Apr 01, 2019 1:10 pm
Forum: Investing - Theory, News & General
Topic: What is the Boglehead opinion of the inverted yield curve?
Replies: 77
Views: 8773

Re: What is the Boglehead opinion of the inverted yield curve?

What goes up, must come down. And I know that the long term outlook for stocks is positive on a slope factor. ""Reversion to the mean", as Mr Bogle calls it. We've been up now for quite a few years, and many factors pointing towards a severe recession, that the feds won't have the tools they had las...
by rustymutt
Sat Mar 30, 2019 7:11 am
Forum: Personal Consumer Issues
Topic: New Fridge?
Replies: 28
Views: 2648

Re: New Fridge?

quote I could inform you which brands to NOT buy - Samsung/LG. This is based on past experience and my appliance repair shop manager. This also carries over to Washer/Dryers. They are fine for TVs but I prefer Sony. I have GE for kitchen appliances. Unfortunately, the older models are more reliable ...
by rustymutt
Thu Feb 28, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: Car Navigation System Update
Replies: 36
Views: 2296

Re: Car Navigation System Update

I did this with a Ford product of year 2006, and the new map was worse than the one it had replaced. I complained to Ford officials, and never heard back. Won't be buying a Ford product again.
by rustymutt
Mon Jan 14, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 14246

Re: Recommendations for a 9mm handgun

I've shot all the weapons mention above. I'm licensed and own an APC 380 Bersa Thunder, with laser grips. I prefer an automatic with a safety, rather than not. It's personal choice, and I made mine. It's a clone of a Walther PPK. Safety first!
by rustymutt
Thu Nov 08, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 16605

Re: How much money are you leaving your kids after you die?

As little as possible. I don't owe them anything, and find parents who think they owe their kids to be rather lacking wisdom. :sharebeer They can have what's left over.
by rustymutt
Sat Sep 29, 2018 2:17 pm
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 16439

Re: Sears, a 125 year old company is now a penny stock.

I remember working at Sears during my senior year in high school. Christmas time was jammed packed with families spending money on what they thought was cheap credit, @ 28% compounded annually. I recalling this shocked us at the time. High inflation does horrid things to the economy. In my mind anyw...
by rustymutt
Wed Sep 19, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Insurance slow to pay claims post accident - options?
Replies: 5
Views: 628

Re: Insurance slow to pay claims post accident - options?

Contact the insurance commissioner in your state, and let them know through a complaint letter. You might also let your insurance company know your doing this. They are rated by consumer complaints, and hate dealing with them. You could also hire an attorney who specializes in insurance issues.
by rustymutt
Fri Aug 31, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 117188

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Look at the same data for the period of 2000-2007. Without internationals, you'd been very unhappy with the results. Enough said.
by rustymutt
Wed Jul 25, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Cablevisions Bill
Replies: 31
Views: 1716

Re: Cablevisions Bill

I cut ties to cable back in 1994 and never have regretted it. They are the monthly ripoff kingpin in my book.You paid them to have ad piped into your home, and with that, they still raise rates often without much notice, stating they are adding channels. Will I can only watch one at time. This to me...
by rustymutt
Mon Jul 23, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4656

Re: Laminate Floor making 'popping' noise

The fit will definitely change with the weather, and you should trim the spots where there is no gap. I'm not sure what to suggest for trimming along any toe-kick spaces. Your wrist is going to shake like crazy even with a high end oscillating tool. However, it will save time versus pulling up the ...
by rustymutt
Mon Jul 23, 2018 3:01 pm
Forum: Personal Investments
Topic: AT&T Stock?
Replies: 20
Views: 3090

Re: AT&T Stock?

I retired from AT&T, and have not owned them outside my ETF's. It's a value stock and does poorly for long periods. In exchange for what is dividends. Compared to what I've done with a balanced mix of international, home basis funds, ETF's, and government bonds, I wouldn't want try and pick stocks a...
by rustymutt
Thu Jul 19, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4656

Re: Laminate Floor making 'popping' noise

Having laid down these floors myself, I'm guessing that you've got a bineup or area without the proper spacing for expansion, as that stuff can expansion considerably depending on humidity. I recall opening the boxes 48 hours before, to let them conform to the environment. Check around the edges for...
by rustymutt
Tue Jun 19, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 505
Views: 133899

Re: Anyone regret paying off mortgage early?

None, not a single regret to paying off any debt early. And now I live debt free. Thanks for the education everyone who contributes to this forum had in helping set me up. :sharebeer
by rustymutt
Tue Jun 19, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: International Market Volatility? (Foreign stocks in freefall?)
Replies: 12
Views: 1876

Re: International Market Volatility? (Foreign stocks in freefall?)

I'm going to hang on to my memory of the 2000's in which for a large part was carried by internationals, developed markets.
And the US was not headed in that direction. It's part of a balanced portfolio of broad diversification :sharebeer , and has been, and well be. End of discussion.
by rustymutt
Mon Jun 11, 2018 9:16 am
Forum: Personal Investments
Topic: What are you doing with cash?
Replies: 82
Views: 13368

Re: What are you doing with cash?

I carry my cash in my wallet. Clips don't get it. Coin purch is definitely out for me. I enjoy stuffing donation boxes at times. I carry cash in my wallet, but almost never spend the cash in my wallet. I use a credit card for groceries, gas and shopping, and use a rewards card for coffee at Starbuc...
by rustymutt
Wed Jun 06, 2018 4:26 pm
Forum: Personal Investments
Topic: What are you doing with cash?
Replies: 82
Views: 13368

Re: What are you doing with cash?

I carry my cash in my wallet. Clips don't get it. Coin purch is definitely out for me. I enjoy stuffing donation boxes at times.
by rustymutt
Fri Jun 01, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 4899

Re: New roof - does this ridge vent look right?

I've installed several roofs myself (rent houses) with ridge vents. While unsightly, I do not see any reason for the vent not to function properly. It appears the fasteners were overdriven. I would think it an easy fix for the roofer. I am not sure why they would not address it. On second look of t...
by rustymutt
Fri Jun 01, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 15879

Re: Best Advice You Never Took

When I went to work doing the exact job my father had done over 37 years with the same company, different subsidiary, he told me, "Keep your mouth shut and just do your job. I found that imposible. LOL
by rustymutt
Fri Jun 01, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 10152

Re: is Having more and needing less normal?

I think it varies from person to person. Working hard and saving money makes the person. It's hard to stop habits that are now just standard for your living, whatever that might be. Some might want things, and others might now care for things, but want relationships with things. Health issues change...
by rustymutt
Fri Jun 01, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 4422

Re: Sherwin Williams paint

I used their paints for my entire home and the second best is better than the other best. Great paint. Very happy with their products. Prep work is also critical to a great paint job. Bad prep can make any paint look bad.
by rustymutt
Thu May 31, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Pueblo, CO area places to live
Replies: 12
Views: 1667

Re: Pueblo, CO area places to live

Might be moving to Pueblo, CO. Just the wife and I. 2-3 years max. Prefer not to buy, but with the company footing the transaction costs, maybe. $500k budget, $3000 rent. I looked on Zillow and it seems we have our choice of anywhere in Pueblo or Colorado Springs. What areas should we be looking at...
by rustymutt
Tue May 29, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 4899

Re: New roof - does this ridge vent look right?

No, I see exposed nails. Do not pay them for that work.
by rustymutt
Mon May 28, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: GFCI trips when toaster oven turned on
Replies: 33
Views: 3599

Re: GFCI trips when toaster oven turned on

Your toaster is ....well, toast. LOL The other outlet may be on another GFCI Breaker. My kitchen island is on different GFCI circuist.
by rustymutt
Mon May 28, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 63
Views: 8178

Re: Quicken Alternatives

When they are done supporting me and my 2017, I may be forced back to a physical checkbook. I'll not be held hostage to reoccurring charges that all areas of business seem hell bent on getting us all onboard with. The cable TV model I call it.
by rustymutt
Mon May 28, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Paul Merriman's Portfolio
Replies: 71
Views: 30162

Re: Thoughts on Paul Merriman's Portfolio

My thoughts are that I'm glad I found Paul's weekly Internet show in the early 90's and changed the way I think about investing. 8% average over the last 20 years. Didn't win any gold metals, but it worked, and for that I will forever be grateful.
by rustymutt
Mon May 28, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 100
Views: 9878

Re: Is inflation the greatest risk to retirement portfolios?

Perhaps deflation is really the bad thing we don't want. Long periods were prices keep slipping, edging, backwards, rather than increasing as historical it has in our society. No problem there, at least for the moment. Investing is a balancing act like none other. For the record I'm 10% TIPs.
by rustymutt
Fri May 25, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: When did this start?? [Restaurant tipping on total bill]
Replies: 58
Views: 5311

Re: When did this start??

I enjoy giving to others who serve. It lets them know they are appreciated. We all need to know that we're appreciated for doing the service we provide. I have in the past, paid for veterans meals at restaurants. No reason other than I could, and wanted them to know how much their service to our nat...
by rustymutt
Thu May 24, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: Morningatar: sending portfolio info about OTHER PEOPLE?
Replies: 4
Views: 800

Re: Morningatar: sending portfolio info about OTHER PEOPLE?

I cancelled my new membership because of connection issues that I couldn't figure out. Oh well.
by rustymutt
Fri May 18, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 5592

Re: Bed Bugs

Could they have produced those bed bugs to gain your wealth? Sounds to me like fear marketing driving their business model. So many crooked service businesses. Check them out with the BBB, and other agencies locally. To me it's like the Lifelock marketing strategies, which use fear to gain customers...